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American Express Platinum Travel Credit Card
A mid-tier Amex travel card whose real value is the free Priority Pass ($99 waived) and up to 8 spend-gated domestic lounge visits a year against a modest ₹5,000 fee — but the 3.5% forex markup and thin base rate outside partners undercut it as an everyday spender.
Annual fee
₹5,000
Joining fee
₹5,000
Reward type
points
Base reward rate
2%
Card network
Amex
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 2% base rate
- Domestic lounge access: Effective 1 Oct 2026: 2 complimentary domestic lounge visits per calendar quarter, subject to reaching eligible spend in the preceding quarter (₹70,000 in Q3'26 for Q4'26 visits; ₹1,00,000/quarter from Q4'26 onwards)
- International lounge access: Complimentary Priority Pass membership with the US$99 annual fee waived (per-visit lounge charges may still apply)
Benefits by category
- ✈️ Travel
From 1 Oct 2026, 2 complimentary domestic airport lounge visits per quarter, unlocked by eligible spend in the preceding quarter, plus complimentary Priority Pass membership with the US$99 annual fee waived
- ⛽ Fuel
0% convenience fee on HPCL fuel transactions under ₹5,000; 1% on ₹5,000 and above
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Rewards redemption fee: No fee to transfer Membership Rewards points to airline/hotel loyalty partners; points never expire
- Foreign currency markup: 3.5%
- Interest rate: 42%–47.88% p.a.
- Fuel surcharge waiver: 0% convenience fee on HPCL fuel transactions under ₹5,000; 1% on transactions of ₹5,000 and above
- Cash advance charges: Amex does not offer a cash advance/cash withdrawal facility on this card
Benefits
- 10,000 Membership Rewards points on ₹15,000 spend within 90 days of cardmembership (first year only, on payment of annual fee)
- From 1 Oct 2026, 2 complimentary domestic airport lounge visits per quarter, unlocked by eligible spend in the preceding quarter, plus complimentary Priority Pass membership with the US$99 annual fee waived
- 10,000 Membership Rewards points (redeemable on the Platinum Travel Collection) at ₹4L spend and a ₹20,000 Taj Experiences e-gift card (Taj, SeleQtions, Vivanta) at ₹7L spend in a cardmembership year
- 0% convenience fee on HPCL fuel transactions under ₹5,000; 1% on ₹5,000 and above
- 3X Membership Rewards points at 50+ partner brands via the Reward Multiplier program
Pros
- + Priority Pass membership with annual fee waived
- + Up to 2 domestic lounge visits a quarter, gated on previous-quarter spend
- + Milestone rewards at ₹4L (10,000 points) and ₹7L (₹20,000 Taj e-gift card) annual spend
- + Points earn a 3x multiplier at a roster of 50+ partner brands, not just travel
Cons
- − High 3.5% forex markup despite travel positioning
- − No annual fee waiver on spend — fee is fixed every year
- − Fuel, insurance, utility, cash, and EMI transactions earn no Membership Rewards points at all
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